Preheat the oven to 350^. Grease and flour a 9 X 9 pan (must use a square pan- a rectangle will cook unevenly...). Combine water, and oats in a small bowl and set aside. In a large bowl, combine sugars and oil. Mix well. In another small bowl, combine remaining ingredients w/whisk and add to wet ingredients. Add oats and stir well. Put in pan and wrap pan on counter to remove bubbles. Bake for 35-40 minutes.

15 minutes before cake is done, start making topping. Combine the butter, sugar, and milk in a sauce pan. Boil for 5 minutes. Add coconut and vanilla. Prick warm cake with a fork and pour topping over cake. Let it cool and serve warm.

Seriously- this cake is so moist and so tasty and so very very good! It tastes very similar to the frosting on a german chocolate cake, but without the nuts (which is good, cause I am allergic to the nuts). It is FANTASTIC! In the words of Yo Gabba Gabba- "Try it! You'll like it! Try it! You're gonna like it!"

Thursday, January 29, 2009

Lilia is currently learning the pledge of allegiance. And can I just tell you how precious it is? I am pretty proud of her for how well she knows it so far. And this is exactly how she pronounces the whole thing...

"A pledget of legions"

I pledge a league-ence to the flag Of the knighted states of AmericaAnd to the republic of which it forstandsOne nation under GodWith liberty and justance for all.You may be sing-ed. (You may be seated)

Thursday, January 22, 2009

(Not quite ready to wake up from her nap yet... Dad's armpit makes a good dark spot)

("Must put on shoes so I don't hurt my feet when I run nekid down the street!")

(Check out that bowhawk! For those not "in the know" bowhawk is the remnants of a ponytail/bow in the hair.)

(That would be butter)

(And her body is one of her favorite places to color)

Lilia's rash came back...

Lilia's cute little face when she is sick...

And the schoolwork she came home with...

(Pop... Person... P-- does that say... um, yeah- it does... and the picture? Wow. Boy does my kid know her P-words!)

And last but not least... FrankenPam!

Okay- so I had to get tested for one more allergy. Titanium. Why? Cause I was getting a titanium rod put in my mouth and they wanted to double check that I wasn't allergic. So the oral surgeon gave me a free option as opposed to the much more expensive test I would have had to take through an allergy specialist... He gave me one of the Titanium rods to tape to my skin! So I taped that rod to my neck. But here's the kicker. That rod looks amazingly like a bolt- complete with threaded outer surface. So for a little over 24 hours I walked around with a bolt sticking out of my neck! Hence the name: FrankenPam...)

Thursday, January 15, 2009

So in the LDS church, we don't have a preacher/priest who gives us a sermon each week. The way it is run is a bit different. Each Sunday we have speakers. Those speakers are most often just other members of our congregation. (I promise I am going somewhere with this) A member of the bishopric (the leaders of each small congregation) will call on 2-3 people each week to speak on a set topic. We are almost always given about a week to prepare. Most LDS members will be asked to speak many times throughout their lives, and most of those talks are between 5 and 20 minutes long. (Stay with me!) We start this process at the youthful age of 3 with our children. Last year, Lilia gave her first talk. Joe wrote it, and I helped her give it. It was about 30 seconds long and it was great. WELL- a few months ago Joe and I were asked to speak. (Oh the horror!) We were given a very (VERY) broad range of topics. Instead of asking us to speak on Faith, or Charity, or any other number of topics they asked us to speak on anything that President Gordon B Hinckley had spoken on. Now to give you an idea here, President Hinckley was the Prophet and President of the LDS Church for almost 13 years. Before that he was a member of the first presidency for 14 years, and before that he was an apostle in the Quorum of the 12 (like in biblical times) for 12 years. All together that is 47 years of speaking in conferences, meetings, publishing articles in church magazines, and writing books. As I am sure you can imagine there are probably not a whole lot of topics that this incredible man hasn't covered!

Well it has now been almost 3 months since we gave our talks and I am STILL getting positive feedback for what I spoke on! Talk about a great feeling! My talk was on Family Finances. Basically, I just told the story of what Joe and I have done with our money.

Today I read a blog posted by someone on how they save money grocery shopping and they asked for feedback on how others save money. Which prompted me to think about it some and I decided I would put it out here for all the world to see... I am not gonna post numbers, but I am gonna give you the basic gyst of how Joe and I are working our finances at this time. Now to be fair, I am no guru. AND I am also not perfect (heaven knows!)... But this process that Joe and I are using has been pretty helpful to us, and successful for us. So- for any of you mild risk takers out there- this blog is for you!

For the most part I am gonna cut and paste parts of the talk I gave. Adding tidbits and current changes here and there....

I am a HUGE fan of budgets. I guess you could call it a quirk. I actually enjoy doing the finances and tweaking the numbers until I come up with a good budget for us. There are many ways to set up a budget. A good friend of mine uses a cash method. She has a purse that has pockets sewn all over the inside. Each pocket is a section of her budget. Groceries, Utilities, Dining Out, Family Entertainment, etc. Each month she pulls from her checking account the money allotted for her budget. She then divvies it up and puts her budgeted amounts in each pocket. Once the money is gone. It’s gone. There have been times where it has been necessary to borrow from a less necessary pocket the money needed to pay a larger than usual bill, or to take money from Family Entertainment to pay for a pricey dinner, but as long as she doesn’t remove anymore money from her account she stays within her budget. Now this method works well, but it may not be right for you. For Joe and I we use Quicken on our computer. Quicken will make a suggested budget for us based on our regular spending habits. It is a good way to see where we spend most of our money! It is also a good way to see where your financial weaknesses lie. For Joe and I, it is definitely eating out. We LIKE to eat out. A LOT! We also tend to spend a decent chunk of money on Groceries… what can we say? We like food! Anyway- I use the suggested budget quicken sets up for me and I make almost every category a bit more uncomfortable. If it suggests a budget of 100 for a category, I cut it back to 85. And so on. By doing this I am trying to spend less than the year before. I am trying to make excess from a budget that last year seemed tight. Now this doesn’t always work, but I tweak the numbers for a month or more before I finally have us in a reachable budget that is tough, but not impossible. One of the categories I think is an absolute MUST? Fun Money. It’s our allowance for lack of a better term. Money Joe and I take from the budget that we don’t need to explain, or get the okay from our spouse. We can use it wherever we want (Joe’s is usually used to buy himself lunches out at work, mine is mostly book purchases…).

Joe and I have found that our Fun Money has given us the freedom of being frivolous without going over board. I want a new, and very unnecessary pair of shoes? I save up until I have enough personal money to buy it. Joe wants a better, newer, nicer, more fun cell phone? He saves up until he can buy it outright.

Another part of our budget that is important to us is savings. The hardest part for us when we were newlyweds was to take the time to transfer money from our checking into a savings account- the saddest part about that? I worked at the bank! But it still never got done! So- we got smart. The bank I worked for allowed me to split my paychecks through direct deposit. I had a small portion of each paycheck directly deposited into savings! It worked like a charm. You don’t miss money that never hits your checking account right? If your job doesn’t offer that luxury, another way around it is to see if your bank offers a CD or Investment account that will automatically withdraw money from your checking account each month. Once again, hard to miss money you never touch… And it’s amazing how fast it can add up! Just setting aside a small amount each month and it just sits and grows and grows until you look a couple years down the road and find you saved up enough for the down payment on a newer car! Or to pay for a semester of college, or maybe to help pay for your child’s wedding…

Also, another trick Joe and I use? We got ourselves a Discover Card. Now this card is not used to buy things on credit. We ONLY use it to buy our gas (as in fuel). This specific card gives us 5% cash back bonuses on gas! That 5% cash back sits in a separate account until we request it. We can then cash it in for money, or gift certificates to any number of stores. And that is our Christmas money. We get a nice chunk of money sent to us each November to help pay for gifts, and to earn that money we didn’t do anything more than use a different card at the gas pump and then pay off the card each month as though it were a bill.

Joe and I used to teach the Marriage and Family Relations classes at church. One of the lessons we loved to teach was on Finances. It suggest a way to reduce debt that Joe and I are using. We tweaked it a bit to fit our circumstances, but the main gyst of it is to use a snowball effect to payoff debt faster. Lets say you have 5 debts. Those debts total 500 a month in payments (for the ease of explaining this, lets say each debt has a 100 payment). The smallest debt is paid off after only two payments, and thus frees up 100 dollars of that monthly debt! Now instead of spending that 100 dollars elsewhere, you take it and apply it to the 4 remaining debts. By adding an additional 100 dollars to the next smallest debt you pay it off twice as fast! When the second debt is paid off, you then take those 200 dollars you were paying and apply it to the next smallest debt, paying it off three times as fast! I am sure you can see where this ends up. By not spending any more money that you are currently paying, you end up paying off your debts much faster. Granted it is an idealistic situation suggesting that no more debt comes your way, but just keep applying this plan and it will keep working for you.

(AND NOW TO TOTALLY VEER OFF THE TALK I GAVE)

The last thing Joe and I have started doing is kinda hard to explain but I will do my best... Everything we are doing seems so BACKWARDS for saving money, but it is working SO WELL for us! This is where the risk fits in. Joe's boss told Joe of a way to pay down his house faster that intrigued us, and so we took his idea, tweaked it a bit, and put it to work for us. What this will require is a Home Equity Credit Line (HECL) and a credit card. Yeah- two huge pieces of debt! But hear me out. We went to our bank and had them refinance our mortgage and throw a chunk of the mortgage into a HECL for us. This HECL is attached to our checking account. So basically, if we want to frame in our basement, instead of going to the bank and requesting a check from our HECL, we can write the check from our regular checking account and it will pull the money from our HECL, put it in the checking, then clear the check! (You with me so far?) Well- because it was set up on our checking account, if we ever go overdraft in our account, it will pull the money from the HECL to cover it. We then started depositing Joe's paychecks directly into the HECL and NOT our checking account. The next step was to find a credit card with some bonus something or another (doesn't really matter what- if you like to travel get a card that gives you points toward flights, if you like to shop get a cash back card, etc.) We then make ALL our daily purchases with that card. At the end of the month we pay the WHOLE balance off in full. So for ease and convenience and to explain better the benefits of what we are doing, I will throw some fake #'s out there.

Bob has a HECL holding 10,000 of his mortgage on it. He gets paid 1000 twice a month (so that 2000 a month) He puts his paychecks on the HECL paying it down to 9000 for the first half of the month than 8000 for the second half of the month. One of those deposits count as him monthly payment, so he never needs worry about coming up with the minimum payment due. All the while, with that money sitting there he is paying LESS interest on it because he is paying such LARGE chunks at a time. If his minimum payment is 100, he is paying an extra 1900 a month in Principle! Thats not bad! BUT- Bob's gotta live right? So he has a budget each month of 1500. He is good at staying within his budget. He has a few auto pay bills totaling 500 that come through his checking account (and get pulled from the HECL), but for almost everything else he uses his Capitol One card. He eats out, he grocery shops, he goes to the movies. It all goes on his Capitol One card. He racks up a bill of 1000. When that bill comes due, he pays it off in full with one check from his checking account. Which pulls the money from the HECL. Because he is paying it off in full each month, he is never charged interest from Capitol One. So as a breakdown this is what it looks like:

That means overall for the month he paid down his HECL by 470.00 That may not seem like much to you, but if you consider that he is still paying his mortgage as well, that is a significant chunk to pay down. The savings comes in by having interest work for you. Instead of having his excess sitting in his checking account it is sitting on his debt leaving him with less money to pay interest on. It is a pretty obvious fact that the smaller the debt, the smaller the interest (not the smaller the RATE- just the smaller the AMOUNT of interest paid). So- by letting his paycheck sit untouched on his HECL all month he is paying interest on a chunk that is 2000 smaller than the amount he would be paying on if it were in a checking account. Does that make sense?

The tricky part here is that if you can't stay within a budget, this plan is not for you. If you frequently spend more or the same amount as you earn, this plan won't work- at least not as effectively. Now the REASON this is risky. Right now interest rates are low. REALLY LOW. Our mortgage from a few years ago is higher than rates are now by about 2-3%. Well- a HECL doesn't have a fixed rate. So we are risking the idea of the rate jumping higher than our current mortgage rate. Our rate changes monthly. As prime raises, so does our rate. So it is very likely that eventually we will have a higher interest rate than our mortgage, but we will still plug along because we can see the bigger picture and eventually those rates will drop again.

If this last part just totally confuses you, go ahead and ignore it. Or email me. Or call me. I don't mind explaining (or trying to explain) again.

ANYWAY- I know this is long, and if you read to this point, KUDOS FOR YOU! You are awesome! But if you don't read this far, I still love you! I would love to know YOUR tricks for saving money. Even little stuff. Bring it on!

Wednesday, January 14, 2009

Yesterday I had a minor oral surgery. It was not what I would call a good day by any means. After the surgery, I spent the rest of the day in need of help walking from one place to the other (the meds they gave me left me feeling kinda loopy and HEAVY like I was underwater). To top it off the pain pills they gave me made me pretty sick. And through it all Joe was so GREAT to me. He pretty much allowed me to sleep off most of the effects, and when I wasn't sleeping he was getting me some soup or a drink or holding my hair for me when my stomach decided it wasn't gonna let me keep that soup down... All in all, he was pretty great. He was so busy taking care of me and the girls that he didn't get to eat dinner for himself until after 9pm.

I am pretty darn lucky to have such a great husband! And for that matter, I have a pretty awesome mom too... she not only watched the girls while I was in surgery, she made me a batch of soup as well.

Sunday, January 11, 2009

I give up! Lilia has the flu again. Poor kid is running a fever and just feels crummy all over. What an odd time to get another domestic kick, huh? Yet here I sit surrounded by homemade Big Hunk candy, and Blackberry Lemon Buttermilk Cookies. Can we say YUM? And I am wanting to try a new twist on some classic white cupcakes too... better wait for the candy and cookies to disappear, huh?

Sorry for that bit of randomness... Just tired of being home with sick kids I guess. :) Hope you are all doing well!

Friday, January 9, 2009

As this was pointed out to me, this recipe is completely Bourbon free... I am guessing there is some famous restaurant on Bourbon Street (if I were to guess I would say down south) somewhere that served this dish... needless to say it is so easy and SO GOOD! Lil has named it Apple Chicken since it has apple juice and apple cider vinegar in it. ANYWAY- here is my contribution to FFTF... Enjoy it Heidi!

Cut chicken breasts into bite-sized pieces, and lightly dust with cornstarch. I used a gallon ziplock baggie. Just toss chicken and cornstarch together. Heat oil in your wok or frying pan and fry chicken until lightly browned. Drain on paper towels and set aside.

In a separate bowl combine all sauce ingredients (I chose to NOT add the red pepper flakes since my kids are anti-spice... Oh who am I kidding- I don't like spice either). Pour into wok or frying pan and bring to a boil. Add chicken back to the pan, reduce the heat and simmer for 10 minutes.

Thursday, January 1, 2009

I know I posted earlier about the sickness that has hit my family this Christmas season. As a mini itty bitty recap of my week (or so):

Dec 22: Joe is sick and throws up some (thought to be food poisoning)Dec 23: Nothin'Dec 24: Lil wets the bed and announces the need to throw up, but never doesDec 25: Lil throws up in the AM Lacey and Dad in the PMDec 26: Lacey continues cookie tossing but only once. By night time we feel everyone is on their way back to healthy- oh how wrong we were!Dec 27: Joe and I return from our Anniversary over nighter to Lacey tossing more cookies.Dec 28: All is well or so we think- no throwing up... until naptime, when Lacey does. Again.Dec 29: I feel nauseous after dinner, but never toss cookiesDec 30: Same thing- after dinner ickyness, no cookie tossingDec 31: All is well until we are in the car about to go to the Nicklecade and spend some family time wasting money! Then Lil decides to throw up about 20 minutes from home. :S Talk about a fun drive back!

Which brings us to today... nothing yet. I no longer feel queasy and all is well- and before you ask- nope... NOT pregnant, Thank you very much.

I am SO bleaching the whole house today! (Already changed all the bedding this morning... now on to bleaching the floors, doors, knobs, cabinets, counters, etc. Wish me luck that no one else gets sick!

The whole fam

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About Me

Nothing special here, except the over use of emoticons :S and ellipses...I have two adorable girls, and one handsome little boy. I really like our family. Not just our kids, but the whole darn family. Siblings, cousins, aunts, uncles, parents, grandparents... you name 'em, I like 'em.